Privacy Policy
At Home National Bank, we know how important personal privacy is to you. Because of our interest in protecting your privacy, we have adopted the following privacy policy, continuing our commitment to you, our valued customer:
Recognition of Your Expectation of Privacy
We recognize that you expect privacy and security for your personal and financial affairs. We understand the need to safeguard our sensitive information about you that you have entrusted to us within our affiliated family of banks and companies. We maintain standards and procedures designed to prevent misuse of this information.
Our Collection, Retention, and Use of Information about You
We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes - and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service. We may collect "nonpublic personal information" about you from the following sources: information we receive from you on applications or other loan and account forms; information about your transactions with us, our affiliates or others; and information we receive from third parties such as credit bureaus. We may disclose the above information we collect to companies that perform marketing services on our behalf or to other institutions with which we have joint marketing agreements. "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.
Our Maintenance of Accurate Information
Keeping your account accurate and up to date is very important. If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement. We will correct any erroneous information as quickly as possible.
Security
We take steps to safeguard customer information
We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to comply with federal standards to guard your nonpublic personal information.
Restrictions on Disclosing Information to Parties Outside Our Affiliated Banks and Companies
We do not reveal specific nonpublic personal information about your accounts or other personally identifiable data to parties outside our affiliated banks and companies for their independent use unless: (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non- Home National Bank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
Maintaining Your Privacy in Business Relationships with Parties Outside Our Affiliated Banks and Companies
Sometimes it is necessary to provide personally identifiable information about you to a party outside our affiliated banks and companies, such as to a vendor or service company that we hire to prepare your account statements or to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.
Disclosing Our Privacy Commitment to You
We value your relationship. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Home National Bank protects your confidential information, please call us at 1-877-811-4663 or contact us.
This Privacy Policy applies to all consumer customers, we reserve the right to change this policy, along with its related provisions, at any time.
USE OF INFORMATION
The provisions and explanations in this Use of Information section apply only to individuals. These provisions and explanations supersede all previous notices or statements with respect to the subject matter described in this Use of Information section. We reserve the right to change the provisions and explanations in this Use of Information section at any time.
Use and Sharing of Information within Our Affiliated Family of Banks and Companies
To provide you with superior service and inform you of product opportunities and for other business purposes, the banks and companies affiliated with Home National Bank share information about you and your products and services among themselves. (See Questions and Answers #1 and #2 below).
Use and Sharing of Information Outside Our Affiliated Family of Banks and Companies
Other than under the limited exceptions explained in this policy, our practice is to not share confidential customer information outside our affiliated family of banks and companies. You do not need to request this confidentiality, as it is our standard practice.
The limited exceptions under which we share confidential customer information with parties outside our affiliated family of banks and companies are described in the answer to Question #3 below.
QUESTIONS ABOUT OUR USE OF INFORMATION
ANSWERS ABOUT OUR USE OF INFORMATION
OUR INFORMATION ABOUT YOU
| Q |
Why do you want to know about me? |
| A |
One of the main reasons we gather information about you is to protect you. We need to be able to identify you and your products and services to prevent access to personal and financial information by unauthorized persons.
We also gather information to help us understand your financial needs and provide you with quality products and services. For example, if we know you own your own home, we know a home equity loan with possible tax benefits, may be a better alternative than an installment loan to finance your next purchase.
In some cases, we also gather information to help us design or improve our products and services. For example, information obtained from customers can tell us whether to develop a new type of home mortgage or a checking account. This type of information enables us to identify the needs of customers and provide services to meet those needs.
Finally, we also gather information to comply with laws and regulations that govern the financial services industries. For example, federal regulations require that we obtain a social security number or tax identification number for many types of accounts, such as bank deposit accounts that pay interest. |
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USE AND SHARING OF INFORMATION WITHIN OUR AFFILIATED FAMILY OF BANKS AND COMPANIES
| Q |
How do I benefit when you share information about me and my products and services within your affiliated family of banks and companies? |
| A |
By allowing our affiliated banks and companies to share information about you and your products and services with each other, you enable us to serve your total financial needs. You may receive our combined bank/company account statements, easier access to certain account features, new or enhanced products, special promotional offers, and certain discounts that you might not otherwise know about or be eligible to receive. |
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USE AND SHARING OF INFORMATION OUTSIDE OUR AFFILIATED FAMILY OF BANKS AND COMPANIES
| Q |
Under what circumstances do you provide information to parties outside your affiliated banks and companies? |
| A |
Although we are committed to protecting our confidential information about you and your products and services with us, occasionally it is necessary to provide some of this information to parties outside our affiliated banks and companies.
We are required, for example, to share information about you and your products and services with us with parties named in a lawsuit or administrative action when we are served with a subpoena or court order. We are also required to share information with federal or state regulatory authorities, such as banking examiners or the Internal Revenue Service, as authorized by federal or state law. Consistent with the practice of other banks and financial services companies, we also share certain information about you and your products and services with us with reputable credit reporting agencies as authorized by federal law and with others who may receive certain information from us under particular circumstances, but only as lawfully permitted or required.
We also sometimes contract with outside agents or service providers to prepare your account statements, enter or calculate transactions and balances, or provide other materials or services on our behalf. These agents, service providers, and third party product providers agree to safeguard our information about you and your products and services with us and must abide by applicable law.
We also occasionally decide to sell business assets or a business line, such as mortgage servicing rights. In these cases, we may transfer to the purchaser the related customer information. |
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| Q |
Do you provide special treatment of information when your affiliated trust department acts as my trustee, since I am particularly concerned about preserving the confidentiality of this information? |
| A |
Yes, any information about you within our trust department, along with your trust or agency accounts, is subject to special protection, even within our affiliated family of banks and companies. |
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Is it possible that one of your affiliated banks or companies may solicit me for a product or service based on information received from an outside source? |
| A |
Like other financial services organizations, our affiliated banks and companies sometimes purchase mailing or other lists from outside agencies or companies that are in the business of compiling lists for purchase by others for their independent use. These lists are compiled by such agencies and companies primarily from public sources of information and may be used for product solicitation. |
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We hope that the provisions and explanations in this Use of Information section answer most of the questions you have about our use and sharing of information about you. This is an important part of our continuing commitment to provide superior service to you, our customer.
